The Service.
In consideration of the Online Banking services (“Services”)
to be provided by The Tilden Bank (“BANK”), as described
from time to time in information distributed by BANK to its customers.
In the agreement, “Customer” refers to the person(s)
subscribing to or using the Service. The Customer agrees as follows:
You may use a Personal Computer (“PC”) through
an internet connection to obtain account balances and transaction
information. You may also use your PC to obtain statements
on
your accounts and to transfer money between your accounts.
However, transfers from your savings and Money Market accounts
are considered
pre-authorized transfers, and pre-authorized transfers are
limited to six(6) per monthly statement cycle by federal regulations.

PLEASE READ THIS AGREEMENT CAREFULLY AND KEEP A COPY FOR YOUR
RECORDS.

Your Password.
Each individual who has access to Online Banking, including
each individual named on joint accounts, must designate a
password
and a user code. Your password must be a minimum of 8 characters with a maximum of 17 characters which must consist of a least one(1) letter and one(1) numeric character. The letters are case sensitive. For example, if
you enter your password as 1234abc you cannot use 1234ABC.
It is
recommended that you change your password periodically to enhance
security.

Fees.
All applicable fees for services shall be payable in accordance
with a schedule of charges as established and amended by BANK
from time to time. Charges shall be automatically deducted
from customer’s Account, and BANK shall provide to Customer
monthly notice of such debit(s) on your statement.

Equipment.
You are solely responsible for the equipment (including your
personal computer and software) you use to access the Services.
We are not responsible for errors or delays or your inability
to access the Services caused by your equipment. We are not
responsible for the cost of upgrading your equipment to stay
current with
the Services nor are we responsible, under any circumstances,
for any damage to your equipment or the data resident thereon.

Business
Days/Hours of Operation.
Our business hours are 8 a.m. to 4 p.m. (CST) Monday thru
Friday and 8 a.m. to 11 a.m. (CST) Saturdays, except Bank
Holidays.
The services are available 24 hours a day, seven days a
week, except during maintenance periods.

Notice of Your
Rights and Liabilities.
Security of your transactions is important to us. Use of
the Services may therefore require a PIN or password.
If you lose
or forget your PIN or password, please call (402) 368-5361
during normal business hours listed above. We may accept
as authentic
any instructions given to us through the use of your
password or PIN. You agree to keep your PIN and password
secret
and to notify us immediately if your PIN or password
is lost
or stolen
or if you believe someone else has discovered your PIN
or password. You agree that if you give your PIN or password
to someone
else, you are authorizing them to act on your behalf,
and we may accept
any instructions they give us to make transfers or otherwise
use the Services. Online Banking Services enables you
to change your password; we recommend that you do so regularly.
We may
be liable for certain security breaches to the extent
required
by applicable law and regulation. We do not assume any
other
liability or otherwise guarantee the security of information
in transit to or from our facilities. Please note that
we reserve the right to (1) monitor and/or record all
communications and
activity related to the Services; and (2) require verification
of all requested transfers in the manner we deem appropriate
before making the transfer (which may include written
verification by you). You agree that our records will be
final and conclusive
as to all questions concerning whether or not your PIN
or
password was used in connection with a particular transaction.
If any unauthorized use of your PIN or password occurs
you agree to (1) cooperate with us and appropriate law
enforcement
authorities
in identifying and prosecuting the perpetrator; and (2)
provide reasonable assistance requested by us in recovering
any unauthorized
transfer of funds.

Tell us AT ONCE if you believe your PIN or password has
been lost or stolen. Telephone is the best way of keeping
your
possible losses down. You could lose all the money in
your account (plus
your maximum line of credit). If you tell us within two
(2) business days, you can lose no more that $50. If
you do NOT
tell us within
two (2) business days after you learn of the loss or
theft of your PIN or password, and we can prove we could
have
stopped someone from using your PIN or password without
your permission
if you had told us, you could lose as much as $500. Also,
if your statement shows transfers that you did not make,
tell
us
at once. If you do not tell us within sixty (60) days
after the statement was mailed to you, you may not get
back any
money you
lost after the 60 days if we can prove that we could
have prevented someone from taking the money if you had
told
us in time. If
you believe your PIN or password has been lost or stolen
or that someone has transferred or may transfer money
from your
account
without your permission, call (402) 368-5361 during normal
business hours listed above. WE CANNOT ACCEPT NOTIFICATION
OF LOST OR
STOLEN PINS OR PASSWORDS OR UNAUTHORIZED TRANSFERS VIA
E-MAIL.

Errors and Questions.
In case of errors or questions about your electronic
transactions, telephone us at (402) 368-5361, 8 a.m.
to 4 p.m. (CST),
Monday thru Friday or 8 a.m. to 11 a.m. Saturdays,
or write to us
at:

The Tilden Bank
Post Office Box 250
Tilden, NE 68781

as soon as you can, if you think your statement or
receipt is wrong or if you need more information about
a transaction
listed
on the statement or receipt. We must hear from you
no later than sixty (60) days after we sent you the
FIRST
statement
on which
the problem or error appeared. You will need to:

tell
us your name and Account number (if any);

describe the
error or the transaction you are unsure about, and explain
as clearly as you can why you
believe it is an
error or why you need more information; and

tell us the dollar amount of the suspected error.
If you tell us verbally, we may require you to
send us your complaint or question in writing
within ten
(10)
business days following
the date you notified us. We will determine
whether an error
occurred within ten (10) business days (twenty
(20) business days if the notice of error involves
an
electronic fund
transfer to or from the account within thirty
(30) days after the
first deposit to the account was made) after
we hear from you and
will correct any error promptly. If we need
more time, however, we
may take up to forty-five (45) days to investigate
your complaint or question. If we decide to
do this, we will
credit your
account within ten (10) business days (twenty
(20) business days if
the notice of error involves an electronic
fund transfer to or from
the account within thirty (30) days after the
first deposit to the account was made) for
the amount you
think is
in error, so
that you will have use of the money during
the time it takes us to complete our investigation.
If we
ask you
to put your
complaint or question in writing and we do
not
receive it within ten (10)
business days, we may not credit your account.
If we determine there was no error, we will
reverse the previously credited amount, if
any, and we
will send
you a written explanation
within three (3) business days after we finish
our investigation. You may ask for copies of
the documents
we used in our
investigation.

Disclosure of Account Information
to Third Parties
We may disclose information to third parties about
your account or the transactions you make:

where
it is necessary for completing transactions or resolving
errors involving the Services; or

in order to verify the
existence and condition of your account for a third
party, such as a
credit bureau
or a
merchant; or

in order to comply with government
agency rules, court orders, or other applicable law;
or

to our employees, service providers,
auditors, collection agents, affiliated companies,
or attorneys in the course
of their duties and to the extent allowed
by law; or

if you give us your permission.

Termination.
We reserve the right to terminate the Services, in
whole or in part, at anytime with or without cause
and without
prior
written
notice. In that event, or in the event that you
give us a termination notice, we may (but are not obligated
to)
immediately
discontinue
making previously authorized transfers, including
recurring transfers and other transfers that were
previously
authorized but not yet
made. We also reserve the right to temporarily
suspend
the Services in situations deemed appropriate by
us, in our sole
and absolute
discretion, including when we believe a breach
of system security has occurred or is being attempted.
We may
consider repeated
incorrect attempts to enter your PIN or password
as an indication of an attempted security breach.
Termination
of the Services
does not affect your obligations under this Agreement
with respect to occurrences before termination.

Limitation
of Liability.
Except as otherwise provided in this Agreement
or by law, we are not responsible for any loss,
injury,
or
damage,
whether direct, indirect, special or consequential,
caused by the
Service
or the use thereof or arising in any way out
of the installation, operation, or maintenance of
your PC
equipment.

Waivers.
No waiver of the terms of this Agreement will
be effective, unless in writing and signed
by an authorized
officer
of the BANK.

Assignment.
You may not transfer or assign your rights
or duties under this Agreement.

Governing
Law.
The laws of the State of Nebraska shall govern
this Agreement and all transactions hereunder.
Customer
acknowledges
that he/she has reviewed this Customer
Agreement, understands the terms and
conditions set forth herein, and agrees
to be bound hereby.

Amendments.
We can change a term or condition of the
Agreement by mailing or delivering to
you a written notice
at least
thirty (30)
days before the effective date of any
such change. We do not need
to provide to you with any prior notice
where an immediate change in the terms
or conditions
of
the Agreement
is necessary to maintain
or restore the security of our system
or an account. However, even in these cases,
if the
changes
is to be permanent,
we will provide you with a notice of
the change with the next
regularly
scheduled periodic statement we send
you, or within thirty (30) days, unless disclosure
would jeopardize
the security
of our
system or an account. Notices mailed
or delivered to you under this paragraph will
be considered
effective if mailed
to the
most recent address we show for you in
either our Checking
or Savings Account records.

Indemnification.
Customer, in consideration of being allowed
access to the Services, agrees to indemnify
and hold
the BANK harmless
for any losses
or damages to the BANK resulting from
the use of the Services,
to the extent allowed by applicable
law.

Security Procedures.
By accessing the Services, you hereby
acknowledge that you will be entering
a protected web
site owned by
the BANK,
which may
be used only for authorized purposes.
The BANK may monitor and audit usage
of the
system, and all persons
are hereby
notified that use of the Services
constitutes consent to such monitoring
and auditing. Unauthorized attempts
to up-load information and/or
change information on these web sites
are strictly
prohibited and are subject to prosecution
under the Computer Fraud
and Abuse Act of 1986.

Fee Schedule.
There is no monthly service charge
for online banking.

If you accept the conditions set forth in the preceding disclosure,
please continue by clicking on the "I accept" button. If you
do not accept the conditions set forth in the preceding disclosure,
please click on the "I decline" button to return to the bank's
home page.

Notice: Tilden Bank is not responsible for and has no control
over the subject matter, content, information, or graphics of
the web sites that have links here. The portal features are
being provided by an outside source - Tilden Bank is not responsible
for the content.Please contact us with any concerns or comments.